Resources & Tools
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Get 2nd OpinionCompare New Rates
See today’s market rates alongside your current policy to understand what options exist.
View Life InsuranceCompare Real Rates in Minutes
Use our self-service quoting tool to compare live rates from dozens of top-rated carriers and apply online — or save your quote and let an advisor help you finish.
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Life Insurance Needs Calculator
How Much Do You Actually Need?
This quick estimate uses the DIME method — Debt, Income, Mortgage, and Education — to show a starting coverage amount tailored to your situation.
It’s an estimate, not a quote. When you’re ready, an advisor can refine it and match you to the right carrier.
Review my number with an advisorTurn Savings Into Income
See roughly what your savings could grow to — and the guaranteed monthly income it might generate in retirement.
Illustrative only; actual results depend on the product and carrier. Let’s build a real projection together.
Learn about retirement & annuitiesRetirement Income Estimator
Loan Payoff & Interest Calculator
See exactly how much a loan really costs you — and how much interest you’re handing the bank over its lifetime.
Every dollar of interest you pay a bank is a dollar that never works for you again. Using the Infinite Banking Concept — a properly designed participating whole life policy — many of our clients redirect that interest back into a pool of capital they control, and pay off debt faster. Add an extra monthly payment to see how much interest and time you could save.
How Infinite Banking worksLoan Payoff Calculator
Educational estimate only — not a loan offer. Assumes a fixed rate and equal monthly payments.
Federal Estate Tax Estimator
2026 figures: $15M per-person exemption, 40% top rate. Educational estimate only — not tax or legal advice.
How Much Estate Tax Might You Owe?
The money your estate pays in taxes is money that never reaches your heirs.
In 2026, each person can pass up to $15 million ($30 million for many married couples) free of federal estate tax; amounts above that are taxed at up to 40%. Life insurance can provide tax-advantaged liquidity to cover an estate tax bill so your family isn’t forced to sell property or a business to pay it.
Explore estate planningInherited Property & Step-Up in Basis
One of the most overlooked ways to protect a family’s wealth: the step-up in basis.
If you sell an appreciated property during your lifetime, you owe capital gains tax on all of its growth. But when heirs inherit that property, its cost basis “steps up” to the value at your death — often erasing the capital gains tax on a lifetime of appreciation. Proper estate planning, such as a living trust, helps your heirs receive that property smoothly, avoid probate, and keep the step-up intact.
Plan your legacyStep-Up in Basis Estimator
Educational estimate only — not tax or legal advice. Step-up rules apply to inherited assets; consult a qualified attorney or CPA.
The 3-Bucket Tax Strategy
Most people keep nearly all their retirement savings in one tax-deferred bucket — and hand the IRS a bill for decades of growth. Diversifying across three tax buckets can mean more spendable income and less tax.
Compare Your Tax Outcome
Educational illustration only — not tax or investment advice. Assumes taxable-bucket gains are ~50% of value. Consult a tax professional.
Why Three Buckets Beat One
- Tax-free (Roth & cash-value life insurance): grows and comes out tax-free — the bucket we help you build.
- Tax-deferred (401(k)/IRA): great for the deduction today, but every dollar and its growth is taxed later, with required withdrawals.
- Taxable (brokerage): flexible, taxed only on gains at lower capital-gains rates.
Spreading savings across all three gives you control over your tax bracket in retirement — the freedom to choose which bucket to draw from each year. Read the full guide →
Find a Lost Policy
NAIC Life Insurance Policy Locator
Lost track of a loved one’s life insurance policy or annuity? This free national tool from the National Association of Insurance Commissioners helps families locate lost policies. Open the NAIC Policy Locator →
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